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Home > Author Archives: Michael Bovee (page 4)

Author Archives: Michael Bovee

Is Vortex Debt Group a Total Fraud? – Dan

“Dear Michael, I recently entered into an agreement with Vortex Debt Group. I was in the process of signing and returning the “Authorization to Communicate with Creditors and Collection Agencies”. My wife thought the proposal to settle approx. $13,500.of unsecured debt for approx.$6,000.was simply too good to be true. I assured her that Vortex had answered all my very specific ... Read More »

    I’m Trying to Help a Friend With a Warrant, Court Fines and Others Debts. – Alicia

    “Dear Michael, My name is alicia and i am trying to find helo for a frined of mine. His name is Jesse, he is currentally in such deep debt that he just keeps going down hill. He has many court fines, he doesnt have a job, his car recentally broke down and he also has a warrent. Wicth he got ... Read More »

      I’ve Already Been Sued by a Debt Buyer. Would It Make Sense to File Bankruptcy? – Joshua

      “Dear Michael, When I was in college, I couldn’t find a job in the summer of 2008. I was unable to make any of the payments on my credit cards and my auto loan. I buried my head in the sand and ignored everything. The car got repossessed and the collection calls started with the credit cards and the repossession ... Read More »

        My Debt Relief Company Did Nothing But Get Me Sued and Lower My Credit Score. – John

        “Dear Michael, had 730 credit score 1 year ago now about 550 now being sued considering chapter 7 as only option 1. How do I know whether or not my settlement company fulfilled their contractual obligations to me or not? – They said they offered settlements to my cc companies that were refused. Based upon that can I compel them ... Read More »

          Where Can I Get Funding to Let Me Settle My Defaulted Student Loans? – Ben

          “Dear Michael, I have a student loan that is in default and they want to settle for a lump sum. Only i don’t have the money to do so. If I don’t come up with the money they are going to take me to court to try and collect. Is there anywhere to get money to pay my lump sum ... Read More »

            I Am a Disabled Vet That Needs Help With Debt Forgiveness and Debt Settlement – Paul

            “Dear Michael, I borrowed $6103 and defaulted on the loan. With interest and penalties the total came up over $20000. I have paid back $9500 with icome taxes and garnishments. They say i still owe them $14501. I wanted to settle and the said they would settle for a lump sum of $9000 or $120 a month for 9 months ... Read More »

              I Never Got a Notice Before My Motorcycle Was Repossessed. – Ken

              “Dear Michael, My motorcycle was repossessed and they never sent a notice of dispositon as required by Georgia law. I also requested an explanation of disposition within 14 days as required by law and never received it either. Spoke with Vice Pres. of finance company and he stated that even though the law states no deficiency, there is still a ... Read More »

                Do You Recommend Debt Consolidation or Debt Settlement? – Sandy

                “Dear Michael, Do u recommend debt consolidation or debt settlement ? Which is the best company in each category. I don’t care about my credit because I am trying to get a modification from my bank and they are dragging their feet and I haven’t paid since November 2010 Sandy” Hi Sandy, It is difficult to recommend a specific course ... Read More »

                  How Can I Settle My HSBC Credit Card. – Scott

                  “Dear Michael, Have an HSBC CREDIT CARD, have paid almost $237 in interest on a debt of $710, want to settle, make an arrangement, not in default, but in current status, how can I go about submitting an offer, to whom should I contact to settle the debt for less than the amount that is currently due, $506.77 Scott” Hi ... Read More »

                    Do You Know of Any Super Rich People That Would Bail Me Out of Debt? – Mark

                    “Dear Michael, apprx $3800.00 no job , on foodstamps,and my emergency unemployment checks ended i have had a horrible year first kicked out of where i was living second girlfriend broke up with me 3rd fired from my job as a security officer almost 4 yrs at company new owners took over business 4th my sister died at 46 in ... Read More »

                      I Received Information From Legal Helpers Debt Resolution But Should I Move Forward? – Carla

                      “Dear Michael, I have approximately $37k in credit card debt. I contacted Legal Helpers Debt Resolution after receiving information in the mail. I’m getting ready to move forward and sign an agreement with LHDS but I have been reading blogs on the internet that has made me question whether I should move forward. Can you recommend a debt settlement company? ... Read More »

                        Can I Settle My Bank of America Credit Cards for Half of What I Owe? – Renato

                        “Dear Michael, I have 5 credit cards from bank of America I have been up to date but my job reduce my hours to 32 a week in I stop sending money on April can I settle I have 30000 on all of the 5 cards Can I settle for maybe 50 per cent? Renato” Hi Renato, Can settlements with ... Read More »

                          Trapped in a Debt Settlement Contract. What to Do? – Dean

                          “I contracted a debt settlement company now that it changed. I signed with them back in May of 2010, this was before the new law changed for settlement companies not to be able to charge up front for settlements. The contract is crazy, and I was stupid to sign it. I was totally delusional from stress and depression when I ... Read More »

                            NCO is Offering Me a Settlement On My Amex Card. Is It a Good Deal? – Wayne

                            “I am a self employed contractor in 2008 things went south . I owed amex approximately $32,000 have payed it down to $1608.94 with some interruptions . I was turned over to NCO Financial and have been making aggred upon payment for about 10 months. NCO called and offered a settlement for $5,000 out of the blue it sounds like ... Read More »

                              Would Getting Married Affect My Fiances Credit? – Emily

                              “I am in debt at this time with credit cards and students loans. By getting married would this affect my fiances credit. At this point we have been able to buy a car and a home with his credit alone. By getting married I don’t want to ruin his credit just in case we wanted to buy another house in ... Read More »

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